The strong earnings beat and margin expansion support a bullish near-term outlook. However, monitor loan and deposit trends for any further contraction that could pressure future growth.
Price Chart
Executive Summary
Hawthorn Bancshares reported strong Q1 2026 results with net income up 25.9% YoY to $6.8M and EPS of $0.98, a 27% increase. Net interest margin expanded to 4.07% and the efficiency ratio improved to 60.46%, indicating solid operational performance despite declines in loans and deposits.
Key Financial Metrics
Key Facts
- Q1 2026 net income of $6.8M, up 25.9% YoY from $5.4M
- Diluted EPS of $0.98, up 27% from $0.77 YoY
- Net interest margin (FTE) improved to 4.07% from 3.67% YoY
- Efficiency ratio improved to 60.46% from 66.64% YoY
- Loans held for investment decreased 2.2% QoQ; deposits decreased 2.3% QoQ
- Non-performing assets to loans at 0.47% vs 0.21% in prior year quarter
- Company repurchased 12,000 shares in Q1 2026 for $0.4M, with $8.0M remaining under repurchase plan
Financial Impact
Net income increased $1.4M YoY; EPS increased $0.21 YoY
Risk Factors
- Declining loan and deposit balances may signal reduced growth momentum
- Increase in non-performing assets from 0.21% to 0.47% YoY warrants attention
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3284348 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 10, 2026 6w ago | 8-K | $39.86 | awaiting T+60 | — | $39.29 (−1.43%) |
Sep 4, 2026 7w ago | Press Release | $40.09 | awaiting T+60 | — | $39.29 (−2.00%) |
Sep 4, 2026 7w ago | 8-K | $40.09 | awaiting T+60 | — | $39.29 (−2.00%) |
Jul 29, 2026 12w ago | Press Release | $38.65 $39.29 | ▲ +1.66% | ▼ −0.81% | $39.29 (+1.66%) |
Jul 22, 2026 13w ago | EFFECT | $36.87 $38.12 | ▲ +3.39% | ▲ +0.13% | $39.29 (+6.56%) |
Jul 17, 2026 14w ago | S-4/A | $38.40 $37.96 | ▼ −1.15% | ▼ −5.99% | $39.29 (+2.32%) |
Jun 26, 2026 17w ago | S-4 | $38.67 $38.87 | ▲ +0.52% | ▼ −3.87% | $39.29 (+1.60%) |
Apr 29, 2026 25w ago | Press Release | $33.62 $38.39 | ▲ +14.19% | ▲ +11.08% | $39.29 (+16.86%) |
Apr 29, 2026 25w ago | Press Release | $33.62 $38.39 | ▲ +14.19% | ▲ +11.08% | $39.29 (+16.86%) |
Apr 17, 2026 27w ago | DEFA14A | $35.26 $38.50 | ▲ +9.19% | ▲ +3.05% | $39.29 (+11.43%) |
US Market Status
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